Insurances

Comprehensive Multi-Risk Insurance for Businesses and Entrepreneurs

Is your business protected against sudden breakages? Now you have an insurance policy to be better prepared.

Insurance for businesses and self-employed persons with or without premises

Your business deserves to have the protection of the Seguro Multirriesgo Integral Comercios y Emprendedores, so that day-to-day risks do not jeopardise its operational continuity.

Designed to meet the needs of both businesses (shops, chemists, bars, offices, restaurants, hairdressers, etc.) and self-employed persons with or without premises (builders, locksmiths, plumbers, etc.), with a wide range of coverage and services that adapt to each activity.

Coverage

Material damage¹
- Fire and complementary risks.
- Atmospheric phenomena.
- Electrical damage to appliances up to 100% of the sum insured, with no excess.
- Water damage.
- Damage from broken glass, windows, mirrors, shop windows and sanitary ware.

Damages due to theft¹
- Up to 100% of the established limit of money in the case of robbery.
- Damage to premises due to theft.

Civil Liability (CL)¹
- Civil Liability coverage for operations, workplace accidents, products, work carried out at third-party premises.
- Legal defence cover, up to the limit established in the policy.
- No excesses and adaptable to municipal and regional regulations.

Business Interruption losses¹
- Compensation for the profits and/or permanent expenses of the company in the event of temporary stoppage of the activity as a result of a claim covered by the material damage coverage, including due to theft.

How to arrange cover

Take out your Comprehensive Multi-Risk Insurance for Businesses and Entrepreneurs at your nearest branch or through Santander Personal.

Services complementary to the insurance for businesses and self-employed persons

The Seguro Multirriesgo Integral Comercios y Emprendedores has additional services designed for your business, including:

Bricomercio¹
- Travel time, 2 hours of labour and up to €50 in materials costs for non-urgent DIY tasks at the premises.

Emergency assistance service
- Travel time and 3 hours of labour covered.

Technological and computer assistance service
- Computer technician available to the customer 24 hours a day.
- Computer monitoring and expert reporting in case of employee misconduct.
- Safeguarding the image of the customer on the web (opinions, comments, forums).

Insurance brokered by Santander Mediación Operador de Banca-Seguros Vinculado S.A., NIF A28360311, through its Banco Santander S.A. distribution network. Operator entered in the Register of the Directorate General of Insurance and Pension Funds with no. OV-0042. Civil liability and financial capacity covered in accordance with current legislation. Insurance Company Santander MAPFRE Seguros y Reaseguros, S.A. Trade Register of Madrid. Volume 38,450, Page 152. Sheet M-683962. NIF: A-88256714. Registered Office in Spain: Carretera de Pozuelo no. 50, 28222 Majadahonda (Madrid). Consult the Insurance Companies with which Santander Mediación maintains an Agency Contract for the distribution of insurance products at www.santandermediacionobsv.com.

1. Maximum of 2 call-outs per year.